401(k) / IRA On Track?

See if your current balance and contributions put you on track for retirement by your target age.

Are you on track?

Rules of thumb (e.g. "save 15%" or "have 10× salary by 67") are starting points, but your target depends on the income you want in retirement. This calculator projects your 401(k) and IRA growth to your chosen retirement age and compares it to a target balance—either one you set or one derived from a desired retirement income and withdrawal rate (e.g. 4% rule).

Your situation

Current age

Years until retirement

Set to 0 if you’re already retired. We’ll show the implied retirement age below.

Current 401(k) + IRA balance

Annual contribution

Total you add per year (employer match included)

Expected annual return

Long-term average; many use 5–7% real return

Target balance at retirement

Or set from income below

Optional: set target from desired income

Desired annual income in retirement ($)

Withdrawal rate (%) 4% is a common rule of thumb

Your projection

Current age

Years to retirement

Projected balance

Target balance

On track?

Balance growth to retirement

Year-by-year projection

Year	Age	Balance (start)	Contribution	Growth	Balance (end)

✨ Calculator Premium Features Available